Atlanticus Holdings Corp

This Current Report on Form 8-K contains forward-looking statements that reflect the Company’s current views with respect to, among other things, its business, operations, financial performance and preliminary financial information as of December 31, 2023 and for the quarter then ended. You generally can identify these statements by the use of words such as“outlook,”* “potential,” “continue,” “may,” “seek,” “approximately,” “predict,” “believe,” “expect,” “plan,” “intend,” “estimate” or*“anticipate”* and similar expressions or the negative versions of these words or comparable words, as well as future or conditional verbs such as*“will,”* “should,” “would,” “likely” and*“could.”* These statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those included in the forward-looking statements. Actual results could differ materially from these estimates because of final adjustments, the completion of the Company*’s financial review and closing procedures, and other developments after the date of this Current Report on Form 8-K. Important factors that could cause actual results to differ from our estimates are set forth below.

These risks and uncertainties include those risks described in the Company’s filings with the Commission and include, but are not limited to, risks related to the economy, inflation, loan demand, the capital markets, labor availability and supply chains; the Company’s ability to retain existing, and attract new, merchant partners and funding sources; changes in market interest rates; increases in loan delinquencies; the Company’s ability to operate successfully in a highly regulated industry; the outcome of litigation and regulatory matters; the effect of management changes; cyberattacks and security vulnerabilities in its products and services; and the Company’s ability to compete successfully in highly competitive markets.

The preliminary financial information included in this Current Report on Form 8-K has been prepared by, and is the responsibility of, the Company’s management. BDO USA, P.C. has not audited, reviewed, examined, compiled, nor applied agreed-upon procedures with respect to the preliminary financial information. Accordingly, BDO USA, P.C. does not express an opinion or any other form of assurance with respect thereto. The forward-looking statements speak only as of the date on which they are made, and, except to the extent required by federal securities laws, the Company disclaims any obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. In light of these risks and uncertainties, there is no assurance that the events or results suggested by the forward-looking statements will in fact occur, and you should not place undue reliance on these forward-looking statements.